Ameriprise Financial (NYSE:AMP) Announces Quarterly Earnings Results

Ameriprise Financial (NYSE:AMP) issued its quarterly earnings results on Thursday. The financial services provider reported $10.83 earnings per share for the quarter, beating analysts’ consensus estimates of $10.33 by $0.50, FiscalAI reports. The company had revenue of $4.90 billion during the quarter, compared to the consensus estimate of $4.75 billion. Ameriprise Financial had a net margin of 20.12% and a return on equity of 64.97%. Ameriprise Financial’s revenue was up 10.2% on a year-over-year basis. During the same period in the prior year, the company earned $9.54 EPS.

Here are the key takeaways from Ameriprise Financial’s conference call:

• Management reported record fourth-quarter results with adjusted operating revenue of $4.9B, adjusted EPS up 16% to $10.83, and a record ROE of 53.2%, driven by strong markets and organic growth.
• Organic client momentum was highlighted as a strength: $13.3B of client inflows (up 18%), RAP assets +17% to $670B, advisor productivity reached ~$1.1M and the firm recruited ~90 experienced advisors in the quarter.
• Capital return was aggressive—management returned >100% of operating earnings in Q4 and $3.4B for the year (≈88% of operating earnings), while reporting ~$2.1B excess capital and $2.2B holding company liquidity.
• Company is investing heavily in technology, AI, Signature Wealth platform and banking products (HELOCs, mortgages, checking), with expected low single‑digit operating expense growth offset by ongoing expense re-engineering.
• Management acknowledged macro and rate risks—a recent Fed rate cut and lower short‑term rates could pressure cash earnings and sweep balances, although the bank portfolio (yield ~4.6%, 3.8yr duration) is being positioned to mitigate impact.

Ameriprise Financial Stock Performance

Shares of AMP traded down $1.67 during trading hours on Friday, hitting $519.69. The company had a trading volume of 161,228 shares, compared to its average volume of 538,443. The business has a fifty day moving average of $489.58 and a 200-day moving average of $492.28. The company has a quick ratio of 0.68, a current ratio of 0.68 and a debt-to-equity ratio of 0.88. The firm has a market cap of $48.28 billion, a price-to-earnings ratio of 14.26, a PEG ratio of 1.29 and a beta of 1.26. Ameriprise Financial has a 12 month low of $396.14 and a 12 month high of $552.43.

Ameriprise Financial Dividend Announcement

The business also recently disclosed a quarterly dividend, which will be paid on Friday, February 27th. Stockholders of record on Monday, February 9th will be given a $1.60 dividend. The ex-dividend date of this dividend is Monday, February 9th. This represents a $6.40 annualized dividend and a dividend yield of 1.2%. Ameriprise Financial’s dividend payout ratio is presently 17.55%.

Key Headlines Impacting Ameriprise Financial

Here are the key news stories impacting Ameriprise Financial this week:

• Positive Sentiment: Q4 earnings beat and revenue growth — Ameriprise reported adjusted EPS of $10.83 (vs. $10.33 est.) and revenue of $4.90B (vs. $4.75B est.), with adjusted EPS +16% y/y and revenue up ~10% y/y; results highlight margin strength and expense discipline. Read More.
• Positive Sentiment: Record client assets boost fees — Ameriprise said fee-generating assets/AUM reached a record (reported ~$1.7T), helping organic revenue and underpinning forward fee income. Read More.
• Positive Sentiment: Dividend declared — Board approved a $1.60 quarterly dividend (payable Feb. 27; ex-dividend Feb. 9), supporting shareholder income and signaling confidence in cash flow. Read More.
• Positive Sentiment: Analyst upgrade — Piper Sandler raised AMP from underweight to neutral and lifted its price target to $530 (from $434), which reduces near-term downside risk though the new target implies limited upside. Read More.
• Neutral Sentiment: Market commentary on rates — Several analysts and write-ups argue Ameriprise shows “rate fears are overblown,” which supports the wealth-management outlook if rates stabilize. Read More.
• Neutral Sentiment: Low trading volume — Today’s volume is below the stock’s average, suggesting the move may have limited participation and could be revised on heavier flows. (Volume context from market data.)
• Neutral Sentiment: More disclosure available — The earnings call transcript and slide deck are posted for detail on AUM drivers, expense outlook and capital allocation (useful for monitoring sustainability of fee growth). Read More.

Analyst Upgrades and Downgrades

AMP has been the subject of several analyst reports. Royal Bank Of Canada reduced their target price on Ameriprise Financial from $601.00 to $550.00 and set an “outperform” rating for the company in a report on Monday, November 3rd. BMO Capital Markets began coverage on shares of Ameriprise Financial in a research report on Friday, October 3rd. They issued a “market perform” rating and a $525.00 price target for the company. Argus decreased their price objective on shares of Ameriprise Financial from $568.00 to $554.00 and set a “buy” rating for the company in a research note on Thursday, November 13th. Weiss Ratings reissued a “buy (b-)” rating on shares of Ameriprise Financial in a research note on Monday, December 29th. Finally, Keefe, Bruyette & Woods lowered their price target on Ameriprise Financial from $550.00 to $530.00 and set a “market perform” rating on the stock in a report on Monday, November 3rd. One investment analyst has rated the stock with a Strong Buy rating, three have assigned a Buy rating, five have given a Hold rating and one has issued a Sell rating to the stock. According to data from MarketBeat, the stock presently has a consensus rating of “Hold” and a consensus price target of $540.75.

Insider Buying and Selling

In other Ameriprise Financial news, Director Robert Francis Sharpe, Jr. sold 1,500 shares of the stock in a transaction dated Friday, November 21st. The shares were sold at an average price of $450.94, for a total value of $676,410.00. Following the transaction, the director directly owned 7,500 shares of the company’s stock, valued at $3,382,050. This represents a 16.67% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available through this hyperlink. Company insiders own 0.73% of the company’s stock.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently made changes to their positions in the business. WFA of San Diego LLC bought a new stake in shares of Ameriprise Financial in the second quarter valued at approximately $36,000. Towarzystwo Funduszy Inwestycyjnych PZU SA raised its holdings in Ameriprise Financial by 127.3% in the 3rd quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 125 shares of the financial services provider’s stock valued at $61,000 after acquiring an additional 70 shares in the last quarter. Quarry LP lifted its position in shares of Ameriprise Financial by 431.0% during the 3rd quarter. Quarry LP now owns 154 shares of the financial services provider’s stock valued at $76,000 after acquiring an additional 125 shares during the period. MUFG Securities EMEA plc acquired a new stake in shares of Ameriprise Financial during the 2nd quarter worth $150,000. Finally, Kelleher Financial Advisors acquired a new stake in shares of Ameriprise Financial during the 3rd quarter worth $165,000. Institutional investors and hedge funds own 83.95% of the company’s stock.

Ameriprise Financial Company Profile

Ameriprise Financial, Inc is a diversified financial services company headquartered in Minneapolis, Minnesota. The firm provides a range of advice-based wealth management, asset management and insurance products to individual and institutional clients. Its business model centers on delivering financial planning and investment advice through a network of financial advisors alongside proprietary product offerings designed to meet retirement, protection and accumulation needs.

Core products and services include comprehensive financial planning and advisory services, managed investment portfolios, retirement planning solutions, annuities and life insurance products.